Credit union · NCUA insured
Chemcel FCU CD Rates
Chemcel FCU’s best CD rate is 4.02% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How Chemcel FCU’s CD rates compare
Compared with banks and credit unions near Corpus Christi, TX, where Chemcel FCU has the most branches. $10,000, best rate first.
This credit union’s best
Chemcel FCU
3.76%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $186
Share Certificate
Top rate
Wells Fargo
4.25%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $389
2nd-highest rate
PNC
4.25%APY
- Term
- 13 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $461
Chemcel FCU CD score
82
CD score
Higher than 60% of U.S. banks and credit unions
- 3–8 months3–8 mo3.76%
- 9–15 months9–15 mo3.71%
- 16–30 months16–30 mo3.50%
- 31–60 months31–60 mo3.56%
- QualifiedQualified3.76%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Chemcel FCU ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Jumbo Share Certificate
Up to 4.02%APY · 6 terms
Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal | 4.02% | — |
| 12 monthsPenalty for early withdrawal | 3.97% | — |
| 24 monthsPenalty for early withdrawal | 3.75% | — |
| 36 monthsPenalty for early withdrawal | 3.82% | — |
| 48 monthsPenalty for early withdrawal | 3.82% | — |
| 60 monthsPenalty for early withdrawal | 3.82% | — |
Sources (1)
- chemcel.org/benefits-resources…and-resources/rates.html · captured Sep 17, 2026
Mini-Jumbo Share Certificate
Up to 3.87%APY · 6 terms
Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal | 3.87% | — |
| 12 monthsPenalty for early withdrawal | 3.82% | — |
| 24 monthsPenalty for early withdrawal | 3.60% | — |
| 36 monthsPenalty for early withdrawal | 3.66% | — |
| 48 monthsPenalty for early withdrawal | 3.66% | — |
| 60 monthsPenalty for early withdrawal | 3.66% | — |
Sources (1)
- chemcel.org/benefits-resources…and-resources/rates.html · captured Sep 17, 2026
Share Certificate
Up to 3.76%APY · 6 terms
Dividends paid monthly by check, to certificate, or by automatic deposit to Regular Savings or Money Market. Automatically renews at maturity unless notice given within 3 weeks prior. Early withdrawal penalty is 180 days of dividends. No partial withdrawals allowed. Federally insured up to $250,000.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsEarly withdrawal penalty applies | 3.76% | $186 |
| 12 monthsEarly withdrawal penalty applies | 3.71% | $371 |
| 24 monthsEarly withdrawal penalty applies | 3.50% | $712 |
| 36 monthsEarly withdrawal penalty applies | 3.56% | $1,106 |
| 48 monthsEarly withdrawal penalty applies | 3.56% | $1,502 |
| 60 monthsEarly withdrawal penalty applies | 3.56% | $1,911 |
Sources (2)
- chemcel.org/benefits-resources…and-resources/rates.html
- chemcel.org/accounts/personal-…/share-certificates.html
All captured Sep 17, 2026
Special-purpose accounts
Jumbo IRA Share Certificate
Up to 4.02%APY · 6 terms
Traditional and Roth IRA options available. No setup or annual maintenance fees. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal | 4.02% | — |
| 12 monthsPenalty for early withdrawal | 3.97% | — |
| 24 monthsPenalty for early withdrawal | 3.75% | — |
| 36 monthsPenalty for early withdrawal | 3.82% | — |
| 48 monthsPenalty for early withdrawal | 3.82% | — |
| 60 monthsPenalty for early withdrawal | 3.82% | — |
Sources (2)
- chemcel.org/benefits-resources…and-resources/rates.html
- chemcel.org/accounts/personal-…ement-accounts-iras.html
All captured Sep 17, 2026
Mini-Jumbo IRA Share Certificate
Up to 3.87%APY · 6 terms
Traditional and Roth IRA options available. No setup or annual maintenance fees. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal | 3.87% | — |
| 12 monthsPenalty for early withdrawal | 3.82% | — |
| 24 monthsPenalty for early withdrawal | 3.60% | — |
| 36 monthsPenalty for early withdrawal | 3.66% | — |
| 48 monthsPenalty for early withdrawal | 3.66% | — |
| 60 monthsPenalty for early withdrawal | 3.66% | — |
Sources (2)
- chemcel.org/benefits-resources…and-resources/rates.html
- chemcel.org/accounts/personal-…ement-accounts-iras.html
All captured Sep 17, 2026
IRA Share Certificate
Up to 3.76%APY · 6 terms
Traditional and Roth IRA options available. $1,000 minimum deposit to open. No setup or annual maintenance fees. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsPenalty for early withdrawal | 3.76% | $186 |
| 12 monthsPenalty for early withdrawal | 3.71% | $371 |
| 24 monthsPenalty for early withdrawal | 3.50% | $712 |
| 36 monthsPenalty for early withdrawal | 3.56% | $1,106 |
| 48 monthsPenalty for early withdrawal | 3.56% | $1,502 |
| 60 monthsPenalty for early withdrawal | 3.56% | $1,911 |
Sources (2)
- chemcel.org/benefits-resources…and-resources/rates.html
- chemcel.org/accounts/personal-…ement-accounts-iras.html
All captured Sep 17, 2026
Who can join Chemcel FCU
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, conduct business, worship, or attend school in Jim Wells, Kleberg, or Nueces County, Texas, as well as businesses and other legal entities there, are eligible for membership.
Employers and groups
- Employees of Celanese Corporation working in or supervised from the Bishop plant, Clear Lake plant, Bay City plant, or Dallas office are eligible for membership.
- Retirees of Celanese Corporation's Bishop plant, Clear Lake plant, Bay City plant, or Dallas office are eligible for membership.
Family and household
- Immediate family members of a current Chemcel Federal Credit Union member are eligible for membership.
Membership information collected October 5, 2026.